Dim Amor

Shani Reginsky, who operated the daycare "Mishpachaton Perach" (Family Daycare "Flower"), finds herself at the center of a complex legal and public battle. The court ruled that her management of the daycare was improper, and the state issued a closure order for the institution after serious violations were discovered. Nevertheless, according to parents whose children attended the facility, Reginsky continues to pursue legal action against them, with the consequences of the harm extending far beyond the boundaries of the original conflict.

Parents describe the period when their children attended "Mishpachaton Perach" as a difficult and traumatic time. According to them, children returned home with physical injuries, psychological distress, and abnormal behavioral responses. When court rulings and official decisions against Reginsky were revealed, parents decided to stop payments and remove their children from the facility. In response, they claim, Reginsky opened cases against them at the enforcement office – a move with devastating consequences for families' credit ratings and financial reputation.

The Israeli credit system views opening an enforcement case as one of the most significant damages to a person's credit data. Information is immediately transferred to the Bank of Israel's credit data system and private rating companies like BDI, and from that moment the debtor is considered to have a high-risk profile. Credit scores, typically ranging from 300 to 1,000 points, can drop by dozens or even hundreds of points following a single entry. Such a decline brings real difficulties in obtaining loans, credit card approval, mortgage financing, and sometimes even affects employment prospects. Even after closing the case, the negative record remains on the credit report for three to five years.

The legal system does not examine the motive behind opening the case. There is no investigation into whether this involves legitimate debt collection or the use of a legal mechanism with vengeful or harmful intent. A signature on an agreement or a check is sufficient to allow opening the case, and the burden of proving its unjustification falls on the debtor. Parents are forced to file objections, hire legal representation, and deal with complex and exhausting procedures that can last many months or even years – all to prove that the case was opened in bad faith.

The affair surrounding "Mishpachaton Perach" goes beyond a routine business dispute. Behind the legal documents and bureaucratic forms lie families describing real trauma. Their children, according to parents' testimonies, returned from the daycare with signs of physical and psychological distress, and some still struggle to return to any educational setting. The state, after a series of inspections, found serious violations at the daycare and ordered its closure – an unusual and rare step indicating the severity of the findings.

Despite the closure order and findings, Reginsky continues, according to parents' claims, attempts at legal and financial harm. Families who have already suffered emotional and financial damage during the period their children attended the daycare are forced to deal with open enforcement cases, negative entries in the national credit system, and ongoing distress.

The consequences of opening an enforcement case are devastating for almost anyone. Beyond immediate financial damage, the record carries a stigma of financial unreliability. A person with an active case is perceived as a risky borrower, banks refuse to approve credit lines, clearing companies impose restrictions, and in some cases employers examine credit data before deciding to hire an employee.

Credit system experts emphasize that in such cases it is essential to act quickly: file a reasoned objection, request cancellation of the case, or reach a settlement to minimize the scope of damage. However, even after completing legal proceedings, credit scores do not recover immediately. The Bank of Israel retains negative data in its systems for three years from the case closure date, and in exceptional cases up to five years.

A numerical example illustrates the dimensions of harm concretely: a person whose credit score stood at 820 points – a very high score indicating excellent financial reliability – may see their score plummet to 500 points following a single case opened against them. The practical meaning is a transition from "preferred borrower" status with access to benefits and low interest rates, to "risky borrower" status with high interest rates and automatic rejection of most loan applications.

According to parents, instead of showing responsibility and seeking forgiveness from the affected children and families, Reginsky chose to continue the fight through legal and financial means. While the daycare she operated was closed by state order due to serious findings, parents were left to deal alone with the consequences – both for their children and their financial future.

This case exposes a disturbing aspect of the private education system and enforcement and supervision systems: how can an entity in a position of power over parents, even after being found to have operated an institution improperly, use legal mechanisms to inflict additional harm on those same parents. For many families, "Mishpachaton Perach" has become synonymous with an ongoing nightmare – not only because of events that occurred within the daycare walls, but mainly because of what came afterward: cases at enforcement offices, negative entries in credit reports, and prolonged damage to financial reputation.

Affected parents note they expect government authorities to complete their work and ensure that those found responsible for serious failures cannot return to operate an educational facility in the future. Until then, they continue to deal with consequences that began in a small daycare – and continued deep into their private lives, families, and financial future.